SVP, Business Technology Officer - Consumer Lending

Bank OZK Consumer Lending Technology Leader

Founded on a legacy of more than 120 years in banking, Bank OZK is much more than just a company. We're nationally recognized as an industry leader in financial services. That means we combine exceptional service with innovative technologies to deliver smart solutions to our clients across the country. We're investing in small businesses, fueling economies in local communities and changing skylines in the largest cities across America. Here, we're not simply filling roles. We're fostering even greater careers. The foundation for a great career starts with an exceptional team and a comprehensive benefits package. We believe in providing our dedicated team members with the best resources to support their physical, mental and financial wellbeing, including generous PTO, 401(k) matching, health, dental, vision (and pet!) insurance as well as special perks and discounts.

Job Purpose & Scope :

Provides strategic technology leadership for the Bank's Consumer Lending line of business, including products such as auto loans, home equity lines of credit, and unsecured or related digital lending. Develops and executes technology strategies that align with enterprise architecture, data, model development, and cybersecurity standards to drive efficient delivery of technology-enabled capabilities that advance the Consumer Lending business strategy.

Essential Job Functions :

Partners with Consumer Lending leadership to define and maintain a multi-year technology roadmap aligned to business growth, risk appetite, and digital strategy.

Serves as the primary technology advisor to Consumer Lending leadership, translating business objectives into actionable technology initiatives.

Evaluates emerging technologies (AI, automation, decisioning engines, customer analytics, etc.) to enhance customer experience and credit decisioning capabilities.

Supports strategic planning, investment prioritization, and technology financial management for the Consumer Lending portfolio.

Oversees all technology initiatives supporting Consumer Lending products and processes, including origination, underwriting, servicing, collections, and customer engagement platforms.

Drives simplification and modernization of the Consumer Lending application ecosystem reducing technical debt and improving scalability.

Maintains a strong control environment that aligns with FFIEC, OCC, and CFPB expectations for technology and data management.

Partners with various internal teams to ensure timely and in-budget project delivery, provide internal and regulatory compliance oversight, and coordinate integrations with digital channels, data analytics, and CRM systems.

Manages key technology vendor relationships supporting Consumer Lending (e.g. LOS, decisioning engines, credit bureaus, document management, e-signature platforms) and ensures vendor performance, SLAs, and contract terms align with enterprise standards and risk appetite.

Provides transparency into Consumer Lending technology budgets, forecast future needs, and identify efficiency opportunities.

Supports leadership initiatives and performs other duties as assigned.

Knowledge, Skills & Abilities :

Comprehensive knowledge of lending systems, workflow automation, credit decisioning, data integration, and regulatory requirements.

Ability to provide transparent reporting of technology budgets, forecast future financial requirements, and identify opportunities for operational efficiency.

Ability to communicate effectively with all levels of management and staff, including executive leadership, business stakeholders, and technical teams.

Ability to contribute to enterprise strategy development and advise leadership on emerging technological needs, trends, and capabilities.

Ability to collaborate effectively with various business units and coordinate or participate in multi-functional projects.

Ability to demonstrate initiative to accomplish work objectives.

Ability to utilize discretion and sound judgment in decision making and maintain confidentiality.

Ability to meet stringent deadlines while maintaining accuracy and attention to detail.

Ability to handle multiple priorities and adapt to change in a fast-paced environment.

Strong problem solving, project and vendor management, and organizational skills.

Skill in using computer and Microsoft Office, including Word, Excel, and Outlook.

Basic Qualifications :

Bachelor's degree in Computer Science, Computer Engineering, Information Systems, or related field, or commensurate work experience, required. Master's degree preferred.

7+ years of experience in technical project management or technology development, leadership, or consultation in support of consumer lending or credit card operations within financial services, required.

Preferred Qualifications :

Experience with cloud-based loan origination systems, digital lending platforms, and AI-driven analytics.

Experience delivering large-scale technology initiatives in a regulated environment.

Job Expectations :

Operate customary equipment and technology used in a business environment, with or without accommodation.

Note : This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.

EEO Statement : Bank OZK is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.